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Your odds now have a deadline: each goal is judged by your retirement age or an age you set, with the monthly amount that makes it 80% or 90% likely. One tap makes it your plan. New: edit logged contributions, update a balance when the market moves, date contributions to the day you made them, and choose your reminder's day and time. What If shows your odds as you drag, your age keeps up with the calendar, and 7% a year means exactly 7%. Plus fixes for decimal commas and restoring Pro.
Retirement & FIRE calculator: savings goals, 401k match, the day you retire.
Know the day you can retire — and the odds you'll get there. Retire Goals is a retirement planner, savings goal tracker and FIRE calculator in one. Pick a retirement goal, log contributions as you make them, and a compound interest projection turns your plan into a date you can watch approach. No account, no spreadsheet, no sales pitch. A DATE, NOT JUST A BALANCE Every savings goal shows a projected retirement date, a compound growth curve, and milestone dates at 25%, 50%, 75% and 100%. Log a contribution and the whole timeline moves — that ten-second habit is the entire app. THE ODDS, NOT JUST AN AVERAGE A single "7% a year, every year" line is a story markets never tell. Every goal also runs a Monte Carlo retirement projection — hundreds of randomised return sequences — and reports how often your plan reaches its target by your deadline: your retirement age, or an age you set on the goal. Then it shows the monthly amount that would make it 80% or 90% likely, so you know what on track actually takes — and one tap makes it your plan. RETIREMENT GOALS THAT FIT HOW YOU INVEST Eight templates with sensible market defaults: S&P 500 index investing, index funds, 401(k) workplace plans, Roth IRA accounts, dividend portfolios, monthly passive income, FIRE targets, or fully custom savings plans. Track them all side by side with progress bars and milestones. CLAIM YOUR EMPLOYER MATCH The 401k calculator models your employer match the way your plan words it — "50% of the first 6% of salary" — folds it into the projection, and tells you when contributing a little more would collect the rest. An unclaimed match is the highest-return money in anyone's plan. FIVE FINANCIAL CALCULATORS, ZERO SPREADSHEETS • Compound Interest Calculator — see $500/month become $1,000,000+ • FIRE Number Calculator — how much do you need for financial independence? • Coast FIRE Calculator — when can you stop saving and let growth finish the job? • Dividend Income Calculator — the portfolio needed for your target passive income • Retirement Withdrawal Calculator — how long your money lasts once you start spending it, and the safe spending rate for a thirty-year retirement • Optional inflation toggle — every projection in today's dollars SEE THE HABIT, NOT JUST THE PLAN Every contribution you log is plotted — how much you've put in, across how many contributions, and what that averages per month. The projection shows where a savings goal is going; this shows how it actually got here. Date a contribution to the day it went in, fix one you got wrong, and update a balance when the market moves it — the history stays a record of what you actually put in. BUILD THE SAVINGS HABIT Weekly contribution streaks, one-tap "usual amount" logging, milestone celebrations, shareable progress cards, and optional reminders, on the day and time you choose, that mention your actual goals — never generic nags. LIVE S&P 500 DATA (OPTIONAL) Add a free API key and see market performance on your dashboard. FOR THE FIRE COMMUNITY Traditional retirement, Coast FIRE, Barista FIRE, lean FIRE or fat FIRE — plan your own path to financial independence and early retirement. IN YOUR CURRENCY Pounds, euros, rupees, yen, dollars and more — amounts follow your device's currency, or whatever you choose in Settings. Nothing is converted; your numbers stay exactly as you entered them. 100% PRIVATE No account required. No bank connections. All data stored locally on your device, with JSON export and import so switching phones never loses your history, plus CSV export for any spreadsheet. We never see your financial information. Supported by a small banner ad. A one-time Pro upgrade removes ads forever and adds the full projection range on every goal. No subscriptions. Retire Goals is a planning tool, not financial advice. Projections are estimates based on the numbers you enter, and simulated returns are not a forecast.